Okay, here is my first serious business question. It seems like every business transaction and/or service you buy into these days is trying to get you to buy into some sort of extra guaranteed security beyond what you should be able to expect when you do business with them in the first place. I get calls frequently trying to sell me on buying more credit protection. When I do end up speaking to these people with these offerings I ask the one question. Is your company doing all it can to protect me from fraud and/or having my ID stolen. When they answer the inevitable..."yes"...I say, "then if you are doing your job I don't need to pay for more security do I...thank you."
I have seen and read information saying all this extra security is just salemanship; that you really don't need this extra "stuff". So my question is: is this just basically a scam for greater profits, and if it isn't then why are credit card companies and the like doing less than they ought to when you sign up for their service from the start?